By employing two initiatives – testing and analysis – FNBO [First National Bank Omaha] was able to test new card products in advance, creating a virtual world of card products and services to gauge interest and predict response. The testing with corresponding data analysis helped to inform the best delivery method, incentive, offer and creative approach, while market research and analysis provided insights such as predicted response based on a variety of potential card attributes. With analysis in hand, FNBO is well positioned to launch quickly a variety of new card offers which are meeting with marketplace success, even in an environment of changing regulation and changing patterns of consumer credit usage.